NaGieldach.pl

Overview

NaGieldach.pl is a comprehensive financial platform designed specifically for Polish investors, providing essential tools for portfolio management, tax calculation, and financial planning. The platform addresses the complex needs of investors navigating the Polish market, offering a free investment portfolio tracker with real-time prices, an automated PIT-38 tax calculator with XML export capabilities, and over 12 specialized financial calculators. Built for individual investors, traders, and financial enthusiasts in Poland, NaGieldach.pl operates entirely in the browser, emphasizing privacy by processing data locally without server uploads. The platform supports various asset classes including stocks, ETFs, bonds, and cryptocurrencies, while integrating with Polish financial regulations and National Bank of Poland (NBP) exchange rates.

Key Features

Investment Portfolio Tracker provides comprehensive management for diverse investments with automatic price updates, currency conversion using NBP rates, and performance benchmarking against indices like S&P 500, WIG20, and MSCI World. The portfolio supports separate accounts for IKE, IKZE, and standard brokerage accounts, with detailed allocation analysis by sector, currency, and asset class through interactive charts.

PIT-38 Tax Calculator automates tax declaration for capital gains with import support for CSV files from over 9 brokers including Trading 212, Interactive Brokers, XTB, and Polish brokers like BOŚ Bossa and mBank eMakler. The calculator applies FIFO methodology, automatically fetches NBP exchange rates for foreign currency transactions, and generates ready-to-file XML for e-Deklaracje, plus HTML reports and printable PDF documents.

Dividend Analysis Tools include estimated dividend income calculations, dividend yield tracking, payment history visualization, and a dividend calendar showing upcoming ex-dividend dates with CAGR growth indicators. The platform also features a dividend reinvestment calculator to model compounding effects over time.

12+ Financial Calculators cover essential investment scenarios including DCA strategy planning, FIRE retirement calculations, IKE/IKZE profitability comparisons, mortgage loan simulations, deposit calculators, ROI analysis, rent versus buy evaluations, and PPK (Employee Capital Plans) projections. All calculators work without account registration.

Watchlist and Market Monitoring allows users to track specific instruments with price targets, monitor stocks and ETFs of interest, and receive alerts for market movements. The platform includes a stock market map visualization tool for broader market overview.

Privacy-First Architecture ensures user data never leaves the browser, with CSV imports processed locally and no server-side data storage. This approach provides security while maintaining full functionality for tax calculations and portfolio tracking.

Broker Integration supports automatic format recognition for CSV files from multiple international and Polish brokers, streamlining data import without manual formatting. The platform specifically accommodates Polish tax requirements and reporting standards.

How It Works

Users begin by accessing NaGieldach.pl directly through their web browser without any software installation. For portfolio tracking, registration creates a free account where investments can be manually entered or imported via CSV. The portfolio automatically updates with live prices for stocks, ETFs, and cryptocurrencies, while converting foreign currencies to PLN using daily NBP rates. For tax calculations, users upload broker CSV files which the system automatically parses, applies FIFO methodology, fetches historical NBP exchange rates, and generates complete PIT-38 documentation. Financial calculators are immediately accessible without registration, allowing instant calculations for various investment scenarios. The interface provides clear navigation between portfolio, tax tools, calculators, and educational resources, with all data processed locally in the browser for maximum privacy.

Use Cases

Polish retail investors managing mixed portfolios can track stocks, ETFs, and cryptocurrencies in one interface with automatic PLN conversion using NBP rates, monitor dividend income across holdings, and generate tax-ready PIT-38 declarations from multiple broker accounts, saving hours of manual calculation during tax season.

Expatriate investors with foreign brokerage accounts benefit from automatic import of international broker CSV files, FIFO calculation for Polish tax requirements, and NBP exchange rate integration for accurate PLN conversion of foreign currency transactions, ensuring compliant tax reporting despite using non-Polish brokers.

Financial advisors serving Polish clients utilize the platform's calculators for client education, running scenarios for IKE/IKZE optimization, DCA strategy modeling, FIRE retirement planning, and mortgage comparisons, providing data-driven recommendations without requiring clients to share sensitive financial information.

Beginner investors starting their journey access educational guides on investing basics, ETF selection, dividend investing, and tax obligations, while using the portfolio demo to practice tracking investments and the calculators to understand different financial strategies before committing real capital.

Active traders monitoring multiple positions maintain watchlists with price targets, track real-time portfolio value changes, analyze sector allocations, and prepare accurate tax documentation for frequent transactions, all within a single Polish-language interface designed for local market conditions.

Who It's For

NaGieldach.pl targets individual investors and traders in Poland, particularly those managing portfolios across multiple asset classes and brokers. The platform serves retail investors with basic to intermediate financial knowledge, expatriates maintaining investments in Poland, financial advisors needing client tools, and beginners seeking educational resources. Compared to international platforms like Yahoo Finance or Morningstar, NaGieldach.pl specializes in Polish tax requirements, NBP integration, and local broker support. Unlike traditional spreadsheet-based solutions, it offers automation and real-time data, while maintaining an advantage over paid services through its free core functionality and browser-based privacy approach.